Abstract: Various embodiments are directed to processing and executing digital asset transfers between two users. An example method includes receiving a data object defining a digital asset transfer, and the data object may be a query from the first user to initiate an outbound transfer to a second user or an approval of a request for digital asset units from the second user. The method further includes retrieving account balance data objects associated with the digital asset accounts for the first and second users. The method further includes, responsive to determining that the digital asset transfer satisfies one or more transfer conditions, executing the digital asset transfer by executing a closed-loop debit from the first user and executing a closed-loop credit to the second user. The method further includes updating the account balance data object to reflect the resulting balances of each digital asset account.

Abstract: Various embodiments of the present disclosure are generally directed to processing conversions of digital assets to fiat currency. An example method includes obtaining a conversion rate for a digital asset via an API, providing the conversion rate via a client device, receiving a digital asset conversion request and executing a digital asset conversion within a configurable time period. Executing the digital asset conversion includes causing digital asset units to be debited from the digital asset user account and causing fiat currency units to be credited to a fiat currency user account. The method further includes dynamically providing a notification of execution of the digital asset conversion via the client device, updating account balance data objects associated with the digital asset user account and the fiat currency user account, and subsequent to executing the digital asset conversion, executing a fiat currency transaction (e.g., a settlement) with a digital asset exchange system.

Abstract: Various embodiments of the present disclosure provide techniques for facilitating a credential-less exchange over a network using a plurality of identifier mapping and member interfaces. The techniques may include initiating the presentation of an enrollment user interface via a client device of a user and receiving selection data indicative of a selection of a service provider instrument from the enrollment user interface. The techniques include generating a matching code for authenticating the user, providing the matching code to a service provider platform, and receiving the matching code from a partner platform. In response to an authentication of the user based on the matching code, the techniques may include generating an UUEK for the user that may be used to replace persistent credentials.

Abstract: A security device includes an array of lenses and a plurality of first and second segments disposed under the array of lenses. At a first viewing angle, the array of lenses presents a first image for viewing without presenting the second image for viewing, and at a second viewing angle different from the first viewing angle, the array of lenses presents for viewing the second image without presenting the first image for viewing. At least one first or second segment can include one or more microstructures or one or more nanostructures configured to produce one or more colors for the first or second image.

Abstract: Various embodiments of the present disclosure provide techniques for facilitating a credential-less exchange over a network using a plurality of identifier mapping and member interfaces. The techniques may include initiating the presentation of an enrollment user interface via a client device of a user and receiving selection data indicative of a selection of a service provider instrument from the enrollment user interface. The techniques include generating a matching code for authenticating the user, providing the matching code to a service provider platform, and receiving the matching code from a partner platform. In response to an authentication of the user based on the matching code, the techniques may include generating an UUEK for the user that may be used to replace persistent credentials.

Abstract: Various embodiments of the present disclosure provide techniques for facilitating a credential-less exchange over a network using a plurality of identifier mapping and member interfaces. The techniques may include initiating the presentation of an enrollment user interface via a client device of a user and receiving selection data indicative of a selection of a service provider instrument from the enrollment user interface. The techniques include generating a matching code for authenticating the user, providing the matching code to a service provider platform, and receiving the matching code from a partner platform. In response to an authentication of the user based on the matching code, the techniques may include generating an UUEK for the user that may be used to replace persistent credentials.

Abstract: Various embodiments of the present disclosure provide techniques for facilitating a credential-less exchange over a network using a plurality of identifier mapping and member interfaces. The techniques may include initiating the presentation of an enrollment user interface via a client device of a user and receiving selection data indicative of a selection of a service provider instrument from the enrollment user interface. The techniques include generating a matching code for authenticating the user, providing the matching code to a service provider platform, and receiving the matching code from a partner platform. In response to an authentication of the user based on the matching code, the techniques may include generating an UUEK for the user that may be used to replace persistent credentials.

Abstract: Various embodiments of the present disclosure provide techniques for facilitating a credential-less exchange over a network using a plurality of identifier mapping and member interfaces. The techniques may include initiating the presentation of an enrollment user interface via a client device of a user and receiving selection data indicative of a selection of a service provider instrument from the enrollment user interface. The techniques include generating a matching code for authenticating the user, providing the matching code to a service provider platform, and receiving the matching code from a partner platform. In response to an authentication of the user based on the matching code, the techniques may include generating an UUEK for the user that may be used to replace persistent credentials.

Abstract: Various embodiments of the present disclosure provide techniques for facilitating a credential-less exchange over a network using a plurality of identifier mappings and member interfaces. The techniques may include receiving an exchange request for executing a value-based exchange. The exchange request is indicative of an UUEK and one or more transaction attributes. The technique include identifying an exchange identifier based at least in part on the UUEK, wherein the exchange identifier corresponds to an exchange data object that comprises an instrument identifier for a service provider instrument of a member platform. The techniques include providing an exchange authorization request to the member platform, receiving an exchange authorization response that is indicative of at least one of a transaction approval or a transaction denial; and providing an exchange response based at least in part on the exchange authorization response.

Abstract: Various embodiments of the present disclosure are generally directed to processing conversions of digital assets to fiat currency. An example method includes obtaining a conversion rate for a digital asset via an API, providing the conversion rate via a client device, receiving a digital asset conversion request and executing a digital asset conversion within a configurable time period. Executing the digital asset conversion includes causing digital asset units to be debited from the digital asset user account and causing fiat currency units to be credited to a fiat currency user account. The method further includes dynamically providing a notification of execution of the digital asset conversion via the client device, updating account balance data objects associated with the digital asset user account and the fiat currency user account, and subsequent to executing the digital asset conversion, executing a fiat currency transaction (e.g., a settlement) with a digital asset exchange system.

Abstract: Various embodiments of the present disclosure provide techniques for facilitating a credential-less exchange over a network using a plurality of identifier mapping and member interfaces. The techniques may include initiating the presentation of an enrollment user interface via a client device of a user and receiving selection data indicative of a selection of a service provider instrument from the enrollment user interface. The techniques include generating a matching code for authenticating the user, providing the matching code to a service provider platform, and receiving the matching code from a partner platform. In response to an authentication of the user based on the matching code, the techniques may include generating an UUEK for the user that may be used to replace persistent credentials.

Abstract: Various embodiments are directed to processing and executing digital asset conversions for real-time funding of a merchant transaction involving an end user. The user may pre-select digital assets to be converted to fiat currency, and a pre-selected digital asset can be internally-custodied or externally-custodied. An example method includes retrieving a first account balance data object for a fiat currency account. The method further includes, responsive to a balance of the fiat currency user account not satisfying a fiat currency unit threshold of a merchant transaction: receiving a second account balance data object for a digital asset account in response to transmitting an account query, determining a conversion rate for a digital asset, and executing a digital asset conversion by causing a debit of digital asset units from the digital asset account via transmitting a conversion execution API query and by crediting fiat currency units to the fiat currency account.

Abstract: Various embodiments are directed to providing digital asset conversion choices involving different digital assets. An example method includes receiving a first digital asset conversion request associated with an end user and indicating a source digital asset and determining a source conversion rate for the source digital asset using an application programming interface (API).

Abstract: Various embodiments are directed to processing and executing digital asset conversions for real-time funding of a merchant transaction involving a user. The user may pre-select digital assets to be converted to fiat currency, and a pre-selected digital asset can be internally-custodied or externally-custodied. An example method includes retrieving a first account balance data object for a fiat currency account associated with the user. The method further includes, responsive to determining that a balance of the fiat currency user account does not satisfy a fiat currency unit threshold of a merchant transaction, retrieving a second account balance data object for a digital asset account associated with the user, determining a conversion rate between a digital asset and a fiat currency, and executing a digital asset conversion by closed-loop debiting digital asset units from the digital asset account and crediting fiat currency units to the fiat currency account.

Abstract: Various embodiments are directed to processing and executing digital asset transfers between two users. An example method includes receiving a data object defining a digital asset transfer, and the data object may be a query from the first user to initiate an outbound transfer to a second user or an approval of a request for digital asset units from the second user. The method further includes retrieving account balance data objects associated with the digital asset accounts for the first and second users. The method further includes, responsive to determining that the digital asset transfer satisfies one or more transfer conditions, executing the digital asset transfer by executing a closed-loop debit from the first user and executing a closed-loop credit to the second user. The method further includes updating the account balance data object to reflect the resulting balances of each digital asset account.

Abstract: Various embodiments are directed to processing and executing digital asset transfers between two users. An example method includes receiving a data object defining a digital asset transfer, and the data object may be a query from the first user to initiate an outbound transfer to a second user or an approval of a request for digital asset units from the second user. The method further includes receiving account data for the first and second users via application programming interface (API) communication with an external system, and responsive to determining that transfer conditions are satisfied, executing the digital asset transfer by causing the external system to debit digital asset units from the first user and to credit digital asset units to the second user via API communication with the external system. The method further includes updating the account data to reflect account balances resulting from the debit and the credit.

Abstract: Various embodiments are directed to processing conversions of digital assets to other digital assets. An example method includes determining a source exchange rate for a source digital asset and a fiat currency, determining a target exchange rate for a target digital asset and a fiat currency, and generating an aggregated conversion rate for the source digital asset and the target digital asset using the source exchange rate and the target exchange rate. The method further includes executing a digital asset conversion, which includes causing source digital asset units to be debited from a source digital asset user account and causing target digital asset units to be credited to a target digital asset user account, and subsequently executing fiat currency transactions (e.g., settlements) with a first digital asset exchange system associated with the source digital asset and a second digital asset exchange system associated with the target digital asset.

Abstract: Various embodiments of the present disclosure are generally directed to processing conversions of digital assets to fiat currency. An example method includes obtaining a conversion rate for a digital asset via an API, providing the conversion rate via a client device, receiving a digital asset conversion request and executing a digital asset conversion within a configurable time period. Executing the digital asset conversion includes causing digital asset units to be debited from the digital asset user account and causing fiat currency units to be credited to a fiat currency user account. The method further includes dynamically providing a notification of execution of the digital asset conversion via the client device, updating account balance data objects associated with the digital asset user account and the fiat currency user account, and subsequent to executing the digital asset conversion, executing a fiat currency transaction (e.g., a settlement) with a digital asset exchange system.

Abstract: Various embodiments of the present disclosure provide methods, apparatuses, systems, devices, computing entities for managing digital asset transactions. An example method includes obtaining first current pricing data via an application programming interface, and providing the first current pricing data via a client device. The method further includes, responsive to determining that a first configurable time period has elapsed: obtaining second current pricing data via an application programming interface, and providing the second current pricing data for display via the client device. The method further includes receiving a second transaction request and executing an off-chain digital asset transaction for the second transaction request between a central operating account and the internal user account within a second configurable time period.

Abstract: A media pad apparatus for a portable air cooler includes a frame having a top end and a media pad disposed within the frame. A top tray is provided on the top end of the frame and includes opposed walls, the opposed walls sloping downwardly from upper edges thereof to join at a common lower edge and create a generally V-shaped profile of the top tray. The top tray further includes a plurality of openings in the opposed walls spaced along a length of the top tray, wherein when fluid is provided to the top tray, the openings dispense the fluid through the top tray along the length thereof to wet the media pad in a spatially distributed manner. A portable air cooler with a media pad apparatus removably received therein is also disclosed.